Tough call, it’s all up for grabs frankly, right now the two areas that need it the most are banking and public sector. As always, retail, tech and FMCG are at the forefront of using crowd wisdom to enhance products and experiences. Even the auto industry. Nissan used crowd feedback to tweak the design the new Juke for example. So banking and public sector need to use the same techniques to engage with people, create experiences and be genuine!

Regulations cannot keep up with technology? Where should government begin?

I presented on this last week, privacy laws for example 20 years ago no longer apply now. Government should work more closely with tech cos that are pushing the boundaries of what is possible within current legislation. And understand what is constraining them without compromising the consumer. But they are so far behind, it takes years of debate to agree a policy change. This has to change to make this work.

Do you see a solution for Europe’s war on Uber?

Yeah, let them win, because innovation will happen with or without their consent. Sure, methods are questionable and they flout laws, but working against rather than with is pointless and time consuming.

A4) The Uber model is disruptive and naturally incumbent services don’t like this. They need to disrupt themselves. #crowdchat

Economic forecasts are looking bleak globally. How can crowdsourcing help?

Again, it points to mindshare of ideas and shaping of the environment around us by consensus. If forecasts are that bleak, then policy makers and financiers aren’t doing their job. Perhaps they need to listen more and stop halting disruptive innovation that will accelerate growth, as in the Uber case.